tel: Fighting Your Corner

Size: px
Start display at page:

Download "www.yourmoneyclaim.co.uk tel: 01254 822880 Fighting Your Corner"

Transcription

1 tel: Fighting Your Corner BILLIONS set aside in compensation for mis-sold PPI & bank accounts Welcome MILLIONS to Your are Money entitled Claim, to compensation The enclosed Had mortgages, claim pack is loans, all you need credit to complete cards, to bank get your accounts? claim underway. Did you You know could that be BILLIONS owed s in compensation has been set aside, and MILLIONS are entitled to a share of it? The mis-selling Experts of in Payment reclaiming Protection mis-sold Insurance, PPI commonly & bank referred accounts to as PPI, has been the biggest financial scandal ever to hit the UK. We ve claimed s for thousands! The next mis-selling scandal is upon us, with banks being found guilty of mis-selling Packaged Bank Acccounts, so if you ve ever paid a monthly fee for a bank account you may be entitled to compensation. Why Should I Make a Claim? Many people are unsure as to whether they have been a victim of the huge mis-selling scandal. 34 MILLION PPI policies and 10 MILLION Packaged Bank Accounts have been sold, and the majority of these have been sold unfairly. Many people won t even be aware that PPI has been added to their loan, mortgage, credit card or store card. We can find out for you and we are the experts in ensuring you get back the compensation you deserve. How Much Have The Banks Put Aside? The bill is rising all the time. However, it is highly expected that the final bill could surpass 25 BILLION!!! How Much Paperwork Will I Have To Complete? Our main aim is to ensure the process is as efficient and stress free for you as we can make it. We will complete as much of the work as we can using our professional case handling experts. If there is any paperwork that you may be required to complete, we will be on hand to assist you. What If I Don t Know My Account Details? Don t worry, we can usually obtain these from your lender if you are unable to locate your details. WE VE ALREADY CLAIMED MILLIONS IN COMPENSATION FOR OUR CUSTOMERS The enclosed claim pack is all you need to complete to get your claim underway. Such is our confidence in reclaiming compensation, we offer a NO WIN NO FEE* service which means there is no risk to you. So why not take 2 minutes...you could be owed thousands. Kind Regards Your Money Claim *Your Money Management Ltd trading as Your Money Claim operates on a No Win No Fee basis. This means that there are no upfront costs to pay. Our fee only becomes payable on the sucessful outcome of a claim. A cancellation fee is payable if you decide that having instructed Your Money Claim to act on your behalf, and after 14 days of signing your Letter of Authority, you do not wish to continue pursuing your claim with us. The cancellation fee is the reasonable costs incurred for the work undertaken. Please see our Terms of Engagement. Your Money Management Ltd trading as Your Money Claim is regulated by the Claims Management Regulator in respect of regulated claims management activities; our registration is recorded on the website number CRM Your Money Claim is registered with the Information Commissioner s Office (I.C.O.) to ensure compliance with the Data Protection Act 1998, registration number ZA VAT registration number

2 TERMS OF ENGAGEMENT FOR THE APPOINTMENT OF YOUR MONEY CLAIM TO ACT ON THE CLIENT S BEHALF IN ALL ASPECTS OF THE ADMINISTRATION & NEGOTIATION OF THE CLAIM. 1. DEFINITIONS 1.1 Agreement means these Terms of Engagement and/or the Letter of Authority. The Agreement is between Your Money Claim and the Client for the provision of Services which shall be carried out in accordance with these Terms. 1.2 Your Money Claim means Your Money Management Ltd trading as Your Money Claim BB7 9SE 1.3 Claim(s) means the Client claim or claims made against the Company relating to the mis-selling of a payment protection insurance policy or policies; or the application of unlawful charges to the account(s) of the Client. 1.4 Client means the policyholder(s)/account holder(s), whose details are set out in the Letter of Authority and who have appointed Your Money Claim to provide the Services. 1.5 Company means the Financial Institution, Bank, Building Society, Credit Card Company or Financial Advisor or any other entity which sold the policy or gave the advice to the Client, or applied the unlawful charges (including, for the avoidance of doubt, any employee, director, agents, representatives and associates of the said entities or any other entity and/or any of their predecessors). of a Claim, including but not limited to, gestures of goodwill, interest, reductions in borrowing and/or arrears, and repayment of premiums. It also includes the non-application of interest which means where a bank or other institution has elected not to apply interest on any arrears and therefore interest charges previously accrued have been waived, the amount of that waiver will form part of the Compensation awarded. 1.7 Fee means the fee of 25% of the Compensation, plus VAT payable to Your Money Claim for the Services carried out by it. For example, if Your Money Claim recovers 1,000 Compensation which is paid cash to the Client, the Fee would be 250 plus 50 VAT = 300. A further example being where Compensation is 2,500, of which 2,000 is used to reduce the Clients loan and a cash payment of 500 is made to the Client, Your Money Claim s Fee would be 625 plus 125 VAT = Letter of Authority means the letter included in the claim pack to be sent to the Company authorising Your Money Claim to act for the Client. 1.9 Reasonable Expenses means only in the event of termination of this agreement, fees to pay include any costs incurred by Your Money Claim in obtaining the necessary details in order for the Claim(s) to be pursued/advanced. Furthermore, an initial assessment fee for each Claim of 25 plus VAT, letter to the Company at 15 plus VAT, letter to the Client at 15 plus VAT. Any other work undertaken will be charged at a rate of 25 plus VAT per hour Services means the services provided by Your Money Claim including assessing the viability of, preparing, submitting and negotiating the Claim(s) Terms means the Terms of Engagement. the Financial Ombudsman Service and/or the Financial Services Compensation Scheme VAT means Value Added Tax to be charged at the applicable rate. 2. CONDUCT OF ENGAGEMENT 2.1 Notwithstanding clauses 6.1 and 6.2, by signing and returning the Letter of Authority the Client hereby agrees to be bound by the Terms of Engagement and appoints Your Money Claim to provide the Services. 3. THE CLIENT S OBLIGATIONS The Client agrees:- 3.1 to provide Your Money Claim with their consent and full authority to deal with the Company on the Client s behalf and to obtain available relevant information from whatever source on a continuing basis by completing and signing the Letter of Authority; 3.2 to provide all available necessary and complete information and documents to Your Money Claim in order that Your Money Claim may assess and pursue any Claim and in so doing expressly warrants that all information and documents provided to Your Money Claim will be accurate; 3.3 to deal promptly, and in any event within 28 days, with all reasonable requests by Your Money Claim for authority, information, documents and further instructions that Your Money Claim may from time to time require. In the event the Client breaches this term and/or 3.4 and/or 3.5 below, the agreement will fall under term 6.4; 3.4 to promptly, and in any event within 28 days, inform Your Money Claim of any relevant Claim; 3.5 to give Your Money Claim the right to deal exclusively with the Claim unless otherwise agreed in writing by the Client and Your Money Claim. This includes the Client not liaising with the Company regarding the Claim unless authorised to do so in writing by Your Money Claim; 3.6 to authorise the Company to remit the Compensation to Your Money Claim and for Your Money Claim to retain the Fee before paying the Client. Notwithstanding such agreement, the Client agrees that in the event the Company pays the Compensation directly to the Client, the Client will pay Your Money Claim the Fee within 14 days of receipt of such payment. In the event that the Compensation is used by the Company to reduce borrowings and/or arrears and does not pay a cash award that is able to settle the Fee, the Client agrees to propose an agreeable payment arrangement with Your Money Claim for the Fee; 3.7 to pay any additional costs associated with any action deemed appropriate by Your Money Claim in the recovery of any Fees that remain unpaid by the Client. Your Money Claim reserves the right to refer 3.7 to debts pay any to a additional collection costs agency associated and/or to with pursue any legal action action deemed which appropriate may result in by the Your Client Money being charged Claim in further recovery fees. Your of any Money Fees Claim that remain reserves unpaid the right by the to charge Client. interest Your Money at the Claim rate of reserves 8% per annum the right on to all refer Fees debts that remain to a collection unpaid by agency the Client; and/or to pursue legal action which may result in the Client being charged further fees. Your Money Claim reserves the right to charge interest at Ombudsman the rate of 8% Service, per annum or the on Financial all Fees Services that remain Compensation unpaid by the Scheme, Client; that is calculated in accordance with redress guidelines set out by the Financial Ombudsman Service and/or the Financial Services Service, or Compensation the Financial Scheme. Services Only Compensation where the Company Scheme, that has calculated is calculated the in Compensation accordance with in line with redress guidelines, guidelines but set have out withheld by the Financial Compensation Ombudsman by reason Service of an and/or alternative the Financial policy being Services suitable Compensation Scheme. Only where the Company has calculated the Compensation in line with guidelines, but have withheld Compensation by reason of an alternative policy being suitable 4. YOUR MONEY CLAIM S OBLIGATIONS Your Money Claim agrees:- 4.1 to assess the viability of, prepare, submit and negotiate the Claim. In so doing Your Money Claim will, at all times, act reasonably and will be entitled to use its discretion in determining 4.2 to notify the Client, as soon as is reasonably possible, of the outcome of the Claim; 4.3 to pay the Client the balance of Compensation after deduction of any outstanding Fees due by the Client to Your Money Claim, as soon as is reasonably possible, following the settlement of a Claim and the payment of Compensation by the Company to Your Money Claim; when this Agreement has terminated and the Client is no longer a client), save as to expressly or implicitly authorised to the contrary including where disclosure is made at the Client s request or with the Client s consent in relation to pursuing the Claim or where otherwise required by law; 4.5 to promptly notify the Client if the Claim is not to be pursued. It is at Your Money Claim s sole discretion to decide whether or not to proceed with the Claim at any time during the process; 4.6 to promptly notify the Client in writing if the Agreement is terminated, and provide reasonable grounds and explanation as to the reason for the termination. 5 LIMITATION OF LIABILITY 5.1 Your Money Claim does not accept liability where a Claim is rejected by the Company and/ or the Financial Ombudsman Service and/or the Financial Services Compensation Scheme or for failings in its regulatory requirements by Your Money Claim. 5.2 Your Money Claim will not be liable for the accuracy of the information or documents provided by the Client. 5.3 Your Money Claim does not audit, test or check information or documents provided by the Client save for in circumstances it is under legal obligation to do so. 6. WITHDRAWAL & TERMINATION Withdrawal; 6.1 Within 14 days of signing the Letter of Authority, the Client may withdraw from this Agreement by notifying Your Money Claim in writing by to or by recorded post to Your Money Claim, Victory House, The Sidings, Whalley, Clitheroe, Lancashire, BB7 9S. In this event Your Money Claim will not invoice the Client for any costs and/or Fees. An example of a cancellation letter can be found via terms-of-engagement. Termination; 6.2 The Client may terminate the Agreement at any time by advising Your Money Claim in writing by to or by recorded post to Your Money Claim, Victory House, The Sidings, Whalley, Clitheroe, Lancashire, BB7 9SE and paying all Reasonable Expenses incurred by Your Money Claim within 28 days of termination. remains due in full and payable by the Client to Your Money Claim as set out in term if the Client fails to remedy any breach within 28 days without good reason explained in writing, after being served with proper notice Your Money Claim will be entitled to terminate this Agreement and the Client will be liable for all Reasonable Expenses incurred by Your Money Claim in dealing with the Claim(s), which will be due and payable within 28 days. 6.5 if Your Money Claim terminates the Agreement it will promptly notify the Client in writing and provide reasonable grounds and explanation as to the reason for termination. Your Money Claim will also provide the Client with an invoice to cover its Reasonable Expenses incurred for the work undertaken in processing the Claim(s) up to the date of termination which will become due within 28 days of termination and payable by the Client to Your Money Claim. 7. COMPLAINTS & DISPUTE RESOLUTION 7.1 Complaints can be made verbally by calling or in writing via to yourmoneyclaim.co.uk or by post to Your Money Claim, Victory House, The Sidings, Whalley, Clitheroe, BB7 9SE. 7.3 Your Money Claim will be as thorough as possible and aim to resolve the complaint promptly, giving reasons for its decision. Wherever possible, the person investigating the complaint will not have been directly involved in the matter which is the subject of the complaint, and will have the authority to settle the complaint. Money Claim will contact the Client and explain why. Your Money Claim will then endeavour to after eight weeks, the Client may refer the complaint to Claims Management Regulator, tion.gov.uk, or via telephone by calling DISCLAIMER 8.1 The Client is aware that they could complain directly to the Company at no cost, with the ability to take matters further with the Financial Ombudsman Service yet in signing and returning the Letter of Authority, still wishes Your Money Claim to pursue the Claim(s). 8.2 Your Money Management Ltd trading as Your Money Claim is regulated by the Claims Management Regulator in respect of regulated claims management activities; number CRM changes in legislation, taxation or regulation, or as a result of decisions made by the Financial 9. Governing Law 9.1 This Agreement shall be subject to the laws of England and Wales. -

3 tel: Fighting Your Corner BILLIONS set aside in compensation for mis-sold PPI & bank accounts MILLIONS are entitled to compensation Had mortgages, loans, credit cards, bank accounts? You could be owed s Experts in reclaiming mis-sold PPI & bank accounts We ve claimed s for thousands!

4

5

6 Application to make a Packaged Bank Account Claim Name of Bank Bank Account No / Sort Code Account Holder Name WHEN YOU TOOK OUT YOUR BANK ACCOUNT... Were the Terms and Conditions of the Packaged Bank account fully explained to you? When you applied for the bank account were you under the impression that in order to have your account application approved you needed to have the packaged bank account? Did the bank ask if the product was suitable for your needs? Were you aware you had a packaged bank account? Were you made aware that the bank account was available without the additional Packaged Bank accounts were generally made up of Breakdown Cover, Mobile Cover and Travel Insurance. With this in mind please answer the following questions. BREAKDOWN COVER Did you own your own vehicle? If yes to the above please answer the question below Did you have alternative Breakdown/Road assistance cover? MOBILE PHONE INSURANCE Did you own your own mobile phone? If yes to the above please answer the question below Did you have alternative mobile phone insurance? TRAVEL INSURANCE Do you travel abroad? If yes to the above please answer the question below Did you have alternative travel insurance?

Have you been mis-sold a Packaged Bank Account? We are dedicated to dealing with claims where you have been mis-sold a packaged bank account

Have you been mis-sold a Packaged Bank Account? We are dedicated to dealing with claims where you have been mis-sold a packaged bank account Have you been mis-sold a Packaged Bank Account? We are dedicated to dealing with claims where you have been mis-sold a packaged bank account Welcome to Your Money Claim, We all know about mis-sold PPI,

More information

www.yourmoneyclaim.co.uk tel: 01254 822880 Fighting Your Corner

www.yourmoneyclaim.co.uk tel: 01254 822880 Fighting Your Corner www.yourmoneyclaim.co.uk tel: 01254 822880 Fighting Your Corner BILLIONS set aside in compensation for mis-sold PPI & bank accounts Welcome MILLIONS to Your are Money entitled Claim, to compensation The

More information

How Do You Get Your Money? Simply fill in the enclosed claim pack and send it back to us in the pre-paid envelope provided.

How Do You Get Your Money? Simply fill in the enclosed claim pack and send it back to us in the pre-paid envelope provided. For no-hassle Payment Protection Insurance (PPI) Claims 2 The Old Stables, Mitton Road, Whalley, Clitheroe, BB7 9PA telephone 01254 822880 email: info@yourmoneyclaim.co.uk Welcome to Your Money Claim,

More information

Payment Protection Insurance Claim Form

Payment Protection Insurance Claim Form Claim Form All forms to be completed, signed and returned to: FREEPOST RSAX GKEK HUYK Reclaim Your PPI Ltd Waters Green House Sunderland Street Macclesfield SK11 6LF Please complete the following forms

More information

Windsor Thompson Financial Claims

Windsor Thompson Financial Claims Windsor Thompson Financial Claims Welcome to Windsor Thompson Financial Claims This application should only take 10 minutes to complete. If the pre-populated information is incorrect, please put a cross

More information

Claim Forms. Please print, complete and return to (no stamp needed):

Claim Forms. Please print, complete and return to (no stamp needed): Claim Forms Please print, complete and return to (no stamp needed): Claims Thru Us Freepost RRZK-YTRL-UEXT 1 Farnsworth Court West Parkside LONDON SE10 0QF Please enclose a copy of your loan/credit agreement

More information

Please complete the Account Details page of our pack and ONE Letter of Authority for each company you want to claim against.

Please complete the Account Details page of our pack and ONE Letter of Authority for each company you want to claim against. Please complete the Account Details page of our pack and ONE Letter of Authority for each company you want to claim against. Q. I don t have any account numbers or documentation, can I still claim? A.

More information

Please enclose a copy of your loan/credit agreement if available. For credit cards, please enclose a copy of your statement.

Please enclose a copy of your loan/credit agreement if available. For credit cards, please enclose a copy of your statement. Claim Forms Please print, complete and return to: Moneyback PPI Basepoint Business Centre Unit 106 Canada House 272 Field End Rd Eastcote Middlesex HA4 9NA Please enclose a copy of your loan/credit agreement

More information

PPI Customer Information Handbook

PPI Customer Information Handbook PPI Customer Information Handbook 1 Contents 1. Welcome - Page 3 2. What Happens Next - Page 4 3. Terms & Conditions - Pages 5-12 4. Complaints Handling Procedure - Page 13 5. Cancellation Procedure -

More information

Information Form. Personal Information. 2nd Applicant. First Names. Surname. Address

Information Form. Personal Information. 2nd Applicant. First Names. Surname. Address No Win, No Fee Information Form Personal Information 1st 2nd Mr/Mrs/Miss/Ms/Title Date of Birth Mr/Mrs/Miss/Ms/Title Date of Birth Telephone Number Telephone Number Mobile Mobile Best Contact Time Best

More information

www.moneyboomerang.co.uk Money Boomerang Limited Adamson House, Towers Business Park, Didsbury, Manchester, M20 2YY Tel: 0161 955 4740

www.moneyboomerang.co.uk Money Boomerang Limited Adamson House, Towers Business Park, Didsbury, Manchester, M20 2YY Tel: 0161 955 4740 : Claim Reference Dear MIS-SOLD MORTGAGE CLAIM Thank you for contacting Money Boomerang. We are specialists in claiming back mis-sold Mortgages! Please find enclosed a Form of Authority / Mis-sold Mortgage

More information

Please enclose a copy of your loan/credit agreement if available. For credit cards, please enclose a copy of your statement.

Please enclose a copy of your loan/credit agreement if available. For credit cards, please enclose a copy of your statement. Claim Forms Please print, complete and return to: Moneyback PPI Basepoint Business Centre Unit 106 Canada House 272 Field End Rd Eastcote Middlesex HA4 9NA Please enclose a copy of your loan/credit agreement

More information

MoneySmartCo Limited Terms of Business MoneySmartCo Limited (Company Number 0861355) is a claims management company authorised and regulated by the

MoneySmartCo Limited Terms of Business MoneySmartCo Limited (Company Number 0861355) is a claims management company authorised and regulated by the MoneySmartCo Limited Terms of Business MoneySmartCo Limited (Company Number 0861355) is a claims management company authorised and regulated by the Claims Management Regulator in respect of claims management

More information

Information Form. No Win, No Fee. Personal Information. 2nd Applicant. 1st Applicant. Financial Status. Pension Comparison. Mis Sold Mortgages

Information Form. No Win, No Fee. Personal Information. 2nd Applicant. 1st Applicant. Financial Status. Pension Comparison. Mis Sold Mortgages No Win, No Fee Information Form Personal Information 1st 2nd Mr/Mrs/Miss/Ms/Title Date of Birth Mr/Mrs/Miss/Ms/Title Date of Birth First Names First Names Surname Surname Address Address Telephone Number

More information

LEGALLY ENTITLED PPI CLAIM PACK

LEGALLY ENTITLED PPI CLAIM PACK PPI CLAIM PACK INTERNAL USE ONLY COMPLAINTS HANDLING: OVERVIEW Complaints may be received directly from clients or from third party representatives. In the event of any complaint the matter must be immediately

More information

Filling in the Form of Authority. Please ensure you have the lenders name in order to pursue the claim.

Filling in the Form of Authority. Please ensure you have the lenders name in order to pursue the claim. Filling in the Form of Authority Please ensure you have the lenders name in order to pursue the claim. 1. Print a claim form for each lender and type of finance. 2. Do not use one claim form for multiple

More information

All intellectual property rights and copyright in the material on this website belongs to The Entitlements Agency, unless otherwise stated.

All intellectual property rights and copyright in the material on this website belongs to The Entitlements Agency, unless otherwise stated. Terms & Conditions Using our Services The Entitlements Agency has designed this website with the idea of offering you a source of information. Whilst we endeavour to maintain the site and keep the information

More information

These terms of business (the Terms ) explain the entire rights and obligations of You and Us regarding the provision of our Services.

These terms of business (the Terms ) explain the entire rights and obligations of You and Us regarding the provision of our Services. Investor Compensation (UK) Limited - Terms and Conditions PPI These terms of business (the Terms ) explain the entire rights and obligations of You and Us regarding the provision of our Services. You should

More information

PPI Claim Form. Easy steps to claim back your money. 1. Fill in all the required details and questionnaire.

PPI Claim Form. Easy steps to claim back your money. 1. Fill in all the required details and questionnaire. PPI Claim Form Easy steps to claim back your money. 1. Fill in all the required details and questionnaire. 2. Sign and date the Terms of Service and Letter of Authority where you see the Joint policies

More information

Claim Forms Please print, complete and return to:

Claim Forms Please print, complete and return to: Claim orms Please print, complete and return to: Moneyback PPI Basepoint Business Centre Canada House 272 ield End Rd Eastcote Middlesex HA4 9NA Please complete a separate Part 2 and Part 3 for each account.

More information

These terms of business (the Terms ) explain the entire rights and obligations of You and Us regarding the provision of our Services.

These terms of business (the Terms ) explain the entire rights and obligations of You and Us regarding the provision of our Services. Investor Compensation (UK) Limited - Terms and Conditions PPI These terms of business (the Terms ) explain the entire rights and obligations of You and Us regarding the provision of our Services. You should

More information

MP FINANCIAL - PPI (PAYMENT PROTECTION INSURANCE) COMPLAINT QUESTIONNAIRE. SECTION 1 - About You

MP FINANCIAL - PPI (PAYMENT PROTECTION INSURANCE) COMPLAINT QUESTIONNAIRE. SECTION 1 - About You www.mp-financial.net MP FINANCIAL - PPI (PAYMENT PROTECTION INSURANCE) COMPLAINT QUESTIONNAIRE SECTION 1 - About You Section 1 (A) - Personal Details Surname Title Surname Title First Name (s) First Name

More information

Mis-sold Packaged Bank Accounts

Mis-sold Packaged Bank Accounts D N MANLEY CLAIMS MANAGEMENT & FINANCIAL SOLUTIONS Mis-sold Packaged Bank Accounts Let's start getting your money back Thank you for requesting your Packaged Bank Account (PBA) claim pack. A PBA is a Bank

More information

Client Information and Checklist

Client Information and Checklist Gilham Capital Ltd, PO Box 362, North Ferriby, HU14 9AL Client Information and Checklist *Customer Name(s) *House Number / Name *Street Name Locality *City County *Post Code *Home Telephone Number *Mobile

More information

CLAIMLINE UK LTD GENUINE NO WIN NO FEE CLAIMS

CLAIMLINE UK LTD GENUINE NO WIN NO FEE CLAIMS YOUR PERSONAL MISSELLING PPI CLAIMS PACK CLAIMLINE UK LTD GENUINE NO WIN NO FEE CLAIMS Regulated by the Ministry of Justice in respect of Claims Management Activities Ministry of Justice Authorisation

More information

PPI ADVICE LTD PRE CONTRACT GUIDE - PAYMENT PROTECTION INSURANCE

PPI ADVICE LTD PRE CONTRACT GUIDE - PAYMENT PROTECTION INSURANCE PPI ADVICE LTD PRE CONTRACT GUIDE - PAYMENT PROTECTION INSURANCE It is important to us that you make the right decision. We therefore provide guidance about what we do, how we work and our fee. PPI Advice

More information

Mis-Sold Payment Protection Insurance (PPI) Claims Pack

Mis-Sold Payment Protection Insurance (PPI) Claims Pack Mis-Sold Payment Protection Insurance (PPI) Claims Pack Debt Clear Solutions is delighted to enclose an information and application pack that will enable us to reclaim any mis-sold Payment Protection Insurance

More information

Re: Your Mis-selling Claim Against PPI

Re: Your Mis-selling Claim Against PPI Online Pack Re: Your Mis-selling Claim Against PPI Thank you for asking Refresh My Credit to handle your Payment Protection Insurance (PPI) complaint. We are committed to helping you achieve what is owed

More information

Dear Customer, What to do now Follow these 4 simple steps:

Dear Customer, What to do now Follow these 4 simple steps: Dear Customer, Thank you for choosing Apollo Claims to help process your compensation claim. Please find attached to this letter some important documents which you need to complete and return to us as

More information

Money Management Team Limited Limited Service & Fee Agreement

Money Management Team Limited Limited Service & Fee Agreement Money Management Team Limited Limited Service & Fee Agreement These Terms of Business set out the agreement between you and us. Please ensure that you read them all carefully. If you do not understand

More information

Re. The Payment Protection Insurance on your Loan/Credit Cards

Re. The Payment Protection Insurance on your Loan/Credit Cards Re. The Payment Protection Insurance on your Loan/Credit Cards Dear Sir/Madam Thank you for choosing JSK Claims to help you get back your hard earned money back from your bank. We will battle hard to fight

More information

We really look forward to helping you claim back your money, but in the meantime, if you have any questions please call us on

We really look forward to helping you claim back your money, but in the meantime, if you have any questions please call us on Name Reference Number: Address Address Address Post Code Getting your money back starts here Thanks for your interest in claiming back your mis-sold Payment Protection Insurance (PPI) with Forrest Financial.

More information

A few minutes of your time could earn you thousands.

A few minutes of your time could earn you thousands. A few minutes of your time could earn you thousands. Welcome to Maple Leaf Financial Ltd. We are pleased to follow up with your NO WIN, NO FEE Payment Protection Insurance dispute. The enclosed claim pack

More information

Claims Pack. Payment Protection Insurance & Package Bank Accounts. Service and Excellence

Claims Pack. Payment Protection Insurance & Package Bank Accounts. Service and Excellence Claims Pack Payment Protection Insurance & Package Bank Accounts Service and Excellence Squire Claim Ltd Values No Upfront Fees Professional Service Low Cost Phone: +44 12 0290 4209 SQUIRECLAIM LTD Registered

More information

Guide to Reclaiming Mis-sold Payment Protection Insurance. Debt Advisory Services (Scotland) Limited Telephone 08000112322 www.scottishdebthelp.co.

Guide to Reclaiming Mis-sold Payment Protection Insurance. Debt Advisory Services (Scotland) Limited Telephone 08000112322 www.scottishdebthelp.co. Guide to Reclaiming Mis-sold Payment Protection Insurance Debt Advisory Services (Scotland) Limited Telephone 08000112322 www.scottishdebthelp.co.uk Contents 1. Introduction 2. What is Payment Protection

More information

Further to our recent conversation, I am pleased to enclose our application forms for your perusal.

Further to our recent conversation, I am pleased to enclose our application forms for your perusal. Mis-Sold PPI Insurance Complaint Customer Ref: Clients Name(s): Account Number: Dear Further to our recent conversation, I am pleased to enclose our application forms for your perusal. I would like to

More information

Re: Your PPI Mis-selling Claim

Re: Your PPI Mis-selling Claim CLIENT NAME ADDRESS ADDRESS ADDRESS ADDRESS DATE Re: Your PPI Mis-selling Claim Thank you for asking Refresh My Credit to handle your Payment Protection Insurance (PPI) complaint. We are committed to helping

More information

Terms and Conditions. Our Complaints Procedure Should you have a complaint you can contact us by any of the following methods:

Terms and Conditions. Our Complaints Procedure Should you have a complaint you can contact us by any of the following methods: Terms and Conditions We are Redhawk Legal Limited (Company No: 07240820) of 3rd Floor Grove House, Grove Place, Swansea, SA1 5DF. We provide claims management services in respect of financial products/services

More information

TERMS OF BUSINESS AGREEMENT - INSURANCE BROKING

TERMS OF BUSINESS AGREEMENT - INSURANCE BROKING 1. BROKER INFORMATION TERMS OF BUSINESS AGREEMENT - INSURANCE BROKING Stephenson s (2000) Ltd T/As Cooke & Mason, Manor House 3 Low Moor Road Lincoln LN6 3JY is an independent Chartered Insurance Broker.

More information

Your guide to reclaiming mis-sold PPI

Your guide to reclaiming mis-sold PPI Your guide to reclaiming mis-sold PPI a division of goldsmith williams a division of goldsmith williams PPI Return and Goldsmith Williams PPI Return makes your compensation claim simple and straightforward

More information

Debt Management Plan. Terms of Business

Debt Management Plan. Terms of Business Debt Management Plan Terms of Business Important Note These terms of business (the Terms ) explain the rights and obligations of You and Us regarding the provision of your Debt Management Plan. You should

More information

Agreement for referring PPI Claims

Agreement for referring PPI Claims Agreement for referring PPI Claims THIS AGREEMENT is made the... day of... 20 between: (1) Credit Agreement Ltd a company incorporated in England and Wales and whose registered office is at Document House

More information

HEre to Help YOu REcLaim.

HEre to Help YOu REcLaim. HEre to Help YOu REcLaim. WE re in your corner Contents 1 Why you can trust EMCAS 4 Questions 10 Mis-sold products 14 Terms of Engagement 20 How to contact us We believe mis-selling is plain wrong no different

More information

REF: GRMWEB. What next?

REF: GRMWEB. What next? GRM FFi inanciall Serrviicess LLttd REF: GRMWEB ENDOWMENT POLICY COMPENSATION CLAIM Thank you for recent enquiry regarding your Endowment Policy. You have made an important step in obtaining compensation

More information

Your PPI Reclaim Plan

Your PPI Reclaim Plan Solutions Your PPI Reclaim Plan Terms Of Business Money www.moneysavesolutions.com Introduction Solutions These Terms of Business should be read in conjunction with Your PPI Reclaim Agreement. The information

More information

Payment Protection Refunds.co.uk Claims Pack

Payment Protection Refunds.co.uk Claims Pack Payment Protection Refunds.co.uk Claims Pack The following claim papers are all you need to begin your claim for a refund of Payment Protection Insurance 0161 495 3990 www.paymentprotectionrefunds.co.uk

More information

the debtor had been pressured into taking out PPI; it had not been made clear that PPI was optional;

the debtor had been pressured into taking out PPI; it had not been made clear that PPI was optional; Guidance Note on Payment Protection Insurance Mis-Selling Claims in Trust Deeds & Sequestrations 1. Background 1.1 Payment protection insurance ( PPI ) is intended to cover a borrower s unexpected loss

More information

TERMS & CONDITIONS FULLY MANAGED SERVICE

TERMS & CONDITIONS FULLY MANAGED SERVICE TERMS & CONDITIONS FULLY MANAGED SERVICE For the purpose of this agreement the following definitions will apply:- Keywest Estate Agents Ltd shall be known as The Agent... shall be known as The Owner..

More information

Financial Claims Specialists Ltd T/A Finance Claims. Terms and Conditions for the Provision of Services

Financial Claims Specialists Ltd T/A Finance Claims. Terms and Conditions for the Provision of Services Financial Claims Specialists Ltd T/A Finance Claims Terms and Conditions for the Provision of Services IMPORTANT: These terms and conditions form part of a legally binding contract and you should read

More information

This booklet sets out Our Terms of Business in conjunction with the Debt Management Agreement that You have signed.

This booklet sets out Our Terms of Business in conjunction with the Debt Management Agreement that You have signed. Terms of Business INTRODUCTION This booklet should be read in conjunction with Your Debt Management Agreement. The information in this booklet may help You understand the service that We will provide

More information

Explaining Enterprise Finance Guarantee Loan Mis-selling

Explaining Enterprise Finance Guarantee Loan Mis-selling Business Loan Claims Explaining Enterprise Finance Guarantee Loan Mis-selling All Square. All Fair. January 2015 1 Enterprise Finance Guarantee Loans were sold through the main UK high street banks and

More information

TERMS OF BUSINESS AGREEMENT

TERMS OF BUSINESS AGREEMENT Insurance and Reinsurance Brokers Iris Insurance Brokers Ltd 7 th Floor, New London House 6 London Street, London, EC3R 7LP United Kingdom. Tel: +44 (0)20 3178 7872 Fax: +44 (0)1702 431 644 Email: mail@irisib.com

More information

THE CLAIMS MANAGEMENT CODE ( the Code )

THE CLAIMS MANAGEMENT CODE ( the Code ) THE CLAIMS MANAGEMENT CODE ( the Code ) CONTENTS 1 Introduction 2 Principles 3 Publishing the Code 4 Training and Competence 5 Advertising, Marketing and Promotional Activities 6 Charges 7 Information

More information

Secured Loan Agreement Consumer Credit Contract

Secured Loan Agreement Consumer Credit Contract Secured Loan Agreement Consumer Credit Contract This Loan Agreement is a deed that has been prepared by the creditor on the statement date shown in the Initial Disclosure Statement (the Effective Date).

More information

Unfair Credit Agreement & Mis-sold Payment Protection Insurance Claim Pack

Unfair Credit Agreement & Mis-sold Payment Protection Insurance Claim Pack Unfair Credit Agreement & Mis-sold Payment Protection Insurance Claim Pack Contents: Client Disclaimer & Audit Confirmation About You Loan & Credit Card Questionnaire: fill out one form for each credit

More information

3.6. Please also note, unless your policy confirms otherwise, the rights under your policy may only be pursued in an English court.

3.6. Please also note, unless your policy confirms otherwise, the rights under your policy may only be pursued in an English court. Terms of business agreement - commercial customers M & N Insurance Service Limited Authorised and regulated by the Financial Conduct Authority No: 305837. Registered Office: 248 Hendon Way London NW4 3NL

More information

Thank you for downloading the Owl Claims Payment Protection Insurance pack.

Thank you for downloading the Owl Claims Payment Protection Insurance pack. Owl Claims PPI Pack Thank you for downloading the Owl Claims Payment Protection Insurance pack. This pack contains all you need to begin your claim. Please print this document, fill in the blue boxes and

More information

Guidance Note on Payment Protection Insurance Mis-Selling Claims

Guidance Note on Payment Protection Insurance Mis-Selling Claims Guidance Note on Payment Protection Insurance Mis-Selling Claims 1. Background 1.1 Payment protection insurance ( PPI ) is intended to cover a borrower s unexpected loss of income as a result of redundancy,

More information

TERMS & CONDITIONS OF BUSINESS

TERMS & CONDITIONS OF BUSINESS TERMS & CONDITIONS OF BUSINESS 1. Introduction These terms and conditions explain the basis upon which we carry out work for you and charge for our services subject to any variations set out in our engagement

More information

Terms and Conditions

Terms and Conditions Terms and Conditions We want your decision to use Valour Financial Management services to be the best decision you have ever made towards regaining control of your financial situation. To that end we aim

More information

Unfair Credit Agreement Promo Application Pack

Unfair Credit Agreement Promo Application Pack Unfair Credit Agreement Promo Application Pack Contents: Page: Cover Page 1 Understanding Claims Management 2 Understanding The Claims Process 3 The Claims Process Work Flow 4 Complaints Handling Procedure

More information

TEMPLE LITIGATION ADVANTAGE INSURANCE FOR DISBURSEMENTS AND OPPONENT S COSTS Certificate of Insurance

TEMPLE LITIGATION ADVANTAGE INSURANCE FOR DISBURSEMENTS AND OPPONENT S COSTS Certificate of Insurance TEMPLE LITIGATION ADVANTAGE INSURANCE FOR DISBURSEMENTS AND OPPONENT S COSTS Certificate of Insurance In return for the payment of the Premium specified in the Schedule and based on any Information that

More information

Please complete the forms and send them to the address below. If you wish to discuss anything then please do not hesitate to contact us.

Please complete the forms and send them to the address below. If you wish to discuss anything then please do not hesitate to contact us. Re. Bad Investments Dear Sir/Madam Thank you for choosing JSK Claims to help you get back your hard earned money back from your bank. We will battle hard to fight on your behalf and will do our very best

More information

Saffron Building Society Mortgages Savings Investments Insurance Loans. Residential mortgage conditions. www.saffronbs.co.

Saffron Building Society Mortgages Savings Investments Insurance Loans. Residential mortgage conditions. www.saffronbs.co. Saffron Building Society Mortgages Savings Investments Insurance Loans Residential mortgage conditions www.saffronbs.co.uk 0800 072 1100 Saffron Building Society Residential Mortgage Conditions (England

More information

INTRODUCTION TO LUKER ROWE & TERMS OF BUSINESS FINANCIAL SERVICES

INTRODUCTION TO LUKER ROWE & TERMS OF BUSINESS FINANCIAL SERVICES Luker Rowe Independent Financial Advisers Century House, London Road Amersham, Buckinghamshire, HP7 0TU Tel: 01494 733337; Fax: 01494 733366; Email: admin@lukerrowe.com Welcome to Luker Rowe and our Terms

More information

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER Motor Legal Expenses provides:- 24/7 Legal Advice Insurance for legal costs for certain types of disputes HELPLINE SERVICES Legal Helpline MOTOR LEGAL EXPENSES Use the 24 hour advisory service for telephone

More information

Allegiance Home Loans Pty Ltd Credit Representative Number: 397806 Trina Phillips Credit Representative Number: 400596

Allegiance Home Loans Pty Ltd Credit Representative Number: 397806 Trina Phillips Credit Representative Number: 400596 Credit Guide ABOUT US ( we, us, our ): Credit Representative Allegiance Home Loans Pty Ltd Credit Representative Number: 397806 Trina Phillips Credit Representative Number: 400596 Contact details: Allegiance

More information

Owl Claims Credit Card Pack

Owl Claims Credit Card Pack Owl Claims Credit Card Pack Thank you for downloading the Owl Claims Credit Card pack. This pack contains all you need to begin your claim. Please print this document, fill in the blue boxes and return

More information

Investment & Transaction Accounts

Investment & Transaction Accounts Bankwest Investment & Transaction Accounts Terms and Conditions 25 May 2015 making banking easier Terms and Conditions These Terms and Conditions apply to all Investment and Transaction Accounts with us

More information

Terms of Business. Regulated Activities Our principal business is mortgage lending and this activity is regulated by the Central Bank of Ireland.

Terms of Business. Regulated Activities Our principal business is mortgage lending and this activity is regulated by the Central Bank of Ireland. Terms of Business Provided in accordance with the Consumer Protection Code 2012 issued by the Central Bank of Ireland and can be found on the Central Bank s website www.centralbank.ie About Us Our legal

More information

We are authorised by Personal Touch Financial Services Limited to advise and make arrangements in relation to Equity Release.

We are authorised by Personal Touch Financial Services Limited to advise and make arrangements in relation to Equity Release. General Terms and Conditions Hangar SE49 Gloucestershire Airport Cheltenham GL51 6SR Together, the content of the accompanying brochure (if any), the Client Fee Agreement (if we will be charging you a

More information

Payday Loan Claims Pack

Payday Loan Claims Pack Payday Loan Claims Pack YOUR PAYDAY LOAN CLAIMS PACK Thank you for choosing Leslie Charles Solicitors. With an ever-increasing claim portfolio and satisfied customers we can assure you that your claim

More information

Stocks & Shares ISA Transfer form Cazenove Investment Fund Company - B Class shares

Stocks & Shares ISA Transfer form Cazenove Investment Fund Company - B Class shares Stocks & Shares ISA Transfer form Cazenove Investment Fund Company - B Class shares For your own benefit and protection you should read carefully Cazenove Investment Fund Company s Key Investor Information

More information

SANLAM PERSONAL LOANS 3 (PTY) LTD ( SPL3 ) TERMS & CONDITIONS

SANLAM PERSONAL LOANS 3 (PTY) LTD ( SPL3 ) TERMS & CONDITIONS SANLAM PERSONAL LOANS 3 (PTY) LTD ( SPL3 ) TERMS & CONDITIONS 1 PLEASE NOTE: 1.1 these terms and conditions are the SPL3 Terms & Conditions, which are deemed to be incorporated in the Loan Agreement concluded

More information

PPI Return and Goldsmith Williams. Complete your claim in 3 easy steps

PPI Return and Goldsmith Williams. Complete your claim in 3 easy steps Your PPI documents a division of goldsmith williams www.ppireturn.co.uk PPI Return and Goldsmith Williams PPI Return is a division of the law firm Goldsmith Williams. We re a leading law firm that specialises

More information

PLEASE CONTACT US IF YOU REQUIRE THESE TERMS OF BUSINESS IN LARGER PRINT. Painters. Version 3: January 2014

PLEASE CONTACT US IF YOU REQUIRE THESE TERMS OF BUSINESS IN LARGER PRINT. Painters. Version 3: January 2014 PLEASE CONTACT US IF YOU REQUIRE THESE TERMS OF BUSINESS IN LARGER PRINT Painters Terms of Business Version 3: January 2014 Introduction We aim to offer our clients quality legal advice with a personal

More information

True Bearing Chartered Financial Planners Terms of Business

True Bearing Chartered Financial Planners Terms of Business True Bearing Chartered Financial Planners Terms of Business The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services. This document has been designed to be given

More information

TURN OVER AND START YOUR CLAIM

TURN OVER AND START YOUR CLAIM BelmontThornton PLEASE COMPLETE THE FORMS AND SEND TO: Belmont Thornton Unit 16 Elysium Gate 126 New Kings Road London SW6 4LZ TURN OVER AND START YOUR CLAIM...Don t forget you can make as many claims

More information

Mortgages, Equity Release and Protection Planning

Mortgages, Equity Release and Protection Planning apr Client Agreement Mortgages, Equity Release and Protection Planning 1. INTRODUCTION This agreement sets out the terms under which our services are to be provided, including details of the specific services

More information

HEARTLAND BANK HEARTLAND HOME EQUITY LOAN LOAN DETAILS

HEARTLAND BANK HEARTLAND HOME EQUITY LOAN LOAN DETAILS HEARTLAND BANK HEARTLAND HOME EQUITY LOAN LOAN DETAILS Sentinel Custodians Limited (Sentinel) of Level 1, 87 Hurstmere Road, Takapuna, Auckland 0622 offers you a Heartland Home Equity Loan on the terms

More information

Putting Consumers First. Code of Practice. 2014 The Professional Financial Claims Association. All rights reserved.

Putting Consumers First. Code of Practice. 2014 The Professional Financial Claims Association. All rights reserved. Putting Consumers First Code of Practice 2014 The Professional Financial Claims Association. All rights reserved. Introduction The members of the Professional Financial Claims Association (PFCA) wish to

More information

The business now helps customers Australia wide. We assist customers with Residential, Business, Commercial and Chattel Mortgages, and also Leasing.

The business now helps customers Australia wide. We assist customers with Residential, Business, Commercial and Chattel Mortgages, and also Leasing. Priority Home Loans was established in 2001 by Bryan and Lorraine Coleman. Priority Home Loans has helped many people into new and established homes over that time. Our aim is to provide you with a professional

More information

Terms of business agreement - Commercial clients

Terms of business agreement - Commercial clients Terms of business agreement - Commercial clients Please read this document carefully. It sets out the terms on which Finch Insurance Brokers Ltd agree to act for clients and contains details of our responsibilities

More information

Terms of Business Cedarhill Financial Thinking Limited

Terms of Business Cedarhill Financial Thinking Limited Terms of Business Cedarhill Financial Thinking Limited Legal Name: Cedarhill Financial Thinking Limited Address: Carmichael House,, Contact Details: Telephone: 01 6024700, Effective Date: 7 th July 2015

More information

CMC Markets Cash Account

CMC Markets Cash Account bankwest.com.au CMC Markets Cash Account The CMC Markets Cash Account (Cash Account) is a deposit product of Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/Australian credit

More information

BOC CREDIT CARD (INTERNATIONAL) LIMITED TERMS & CONDITIONS OF BOC EXPRESS CASH INSTALMENT LOAN

BOC CREDIT CARD (INTERNATIONAL) LIMITED TERMS & CONDITIONS OF BOC EXPRESS CASH INSTALMENT LOAN BOC CREDIT CARD (INTERNATIONAL) LIMITED TERMS & CONDITIONS OF BOC EXPRESS CASH INSTALMENT LOAN Successful applicant ( Borrower ) of the approved BOC Express Cash Instalment Loan shall be subject to the

More information

Debt Management Plan

Debt Management Plan Solutions Debt Management Plan Terms Of Business Debt Management Agreement Introduction Solutions This booklet should be read in conjunction with Your current Debt Management Agreement. The information

More information

ABOUT OUR SERVICES AND COSTS AND HOW WE DO BUSINESS WITH YOU

ABOUT OUR SERVICES AND COSTS AND HOW WE DO BUSINESS WITH YOU Wesleyan Financial Services Ltd Colmore Circus Birmingham B4 6AR ABOUT OUR SERVICES AND COSTS AND HOW WE DO BUSINESS WITH YOU About this document This document explains the service we offer, how you will

More information

Managed Fund Service. Terms and Conditions

Managed Fund Service. Terms and Conditions Managed Fund Service Terms and Conditions Important Information These are the Terms and Conditions for your Balkerne Asset Management Managed Fund Service. You are advised to read them carefully. The terms

More information

I loved reading the terms & conditions! said no one, ever. term deposit terms + conditions

I loved reading the terms & conditions! said no one, ever. term deposit terms + conditions I loved reading the terms & conditions! said no one, ever term deposit terms + conditions index. Part a - general terms and conditions. 2 1 Purpose of this booklet. 2 2 Meaning of words used. 2 3 Opening

More information

1 Title. 2 Full Name (Please include names of all policy holders) 3 Address. 4 Phone. 5 Mobile number. 6 Email

1 Title. 2 Full Name (Please include names of all policy holders) 3 Address. 4 Phone. 5 Mobile number. 6 Email 1 Title 2 Full Name (Please include names of all policy holders) 3 Address 4 Phone 5 Mobile number 6 Email 7 Date(s) of birth 1st Applicant 2nd Applicant 8 Have you currently complained to the company

More information

Mortgage and Equity Release Client Agreement

Mortgage and Equity Release Client Agreement Mortgage and Equity Release Client Agreement Client name Date of issue CONTENTS Client agreement 1 This details the terms and conditions under which we will conduct business with you. Keyfacts about our

More information

Leathes Prior Solicitors Terms of Business

Leathes Prior Solicitors Terms of Business Leathes Prior Solicitors Terms of Business 1. Contacting us Our reception is open from 8.30am to 5.30pm Monday to Friday, excluding Bank Holidays. Arrangements can be made to see clients outside these

More information

Name 1 (Print)... Name 2 (Print)... Money Village Number...

Name 1 (Print)... Name 2 (Print)... Money Village Number... Money Money Village Village Life Plan Plan Client Client Agreement Agreement This agreement This This agreement agreement is made is isbetween made between Us andyou You. Us andplease Us. You. Please ensure

More information

Advisory agreement Terms & Conditions

Advisory agreement Terms & Conditions Advisory agreement Terms & Conditions Retail Client The purpose of this client notice is to set out the basis on which Central Markets (London) Ltd ( CML ) will provide advisory services to you in relation

More information

Mortgage Agreement Disclosure Date: 4 June 2015 Loan Contract Number: The Parties. Your Loan. The Lender. The Borrower(s)

Mortgage Agreement Disclosure Date: 4 June 2015 Loan Contract Number: The Parties. Your Loan. The Lender. The Borrower(s) Mortgage Agreement Disclosure Date: 4 June 2015 Loan Contract Number: A The Parties The Lender (also referred to as we or us ) The Borrower(s) (referred to as you ) The Guarantor(s) (also referred to as

More information

Sundry Debt Management and Recovery Policy

Sundry Debt Management and Recovery Policy 1. Introduction Sundry Debt Management and Recovery Policy 1.1 Forest Heath and St Edmundsbury Councils (referred to in this document as West Suffolk or the councils ) provide a wide range of services

More information

1. Introduction. The laws of any jurisdiction other than England & Wales Taxes or duties Financial investment.

1. Introduction. The laws of any jurisdiction other than England & Wales Taxes or duties Financial investment. 1. Introduction 1.1 This document, together with our Engagement Letter, explains the basis upon which we work for you. These two documents constitute the contract between you and The Law House. In the

More information

Offshore Savings Account Key Features

Offshore Savings Account Key Features Offshore Savings Account Offshore Savings Account Key Features This document shows the main points about your Offshore Savings Account. Please read it with your personal illustration and keep it with the

More information

Terms and conditions

Terms and conditions Terms and conditions The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information